Everyone knows that generally speaking all insurance companies have their own attorneys. But with disability insurance policies in particular, it is even more important for a claimant to have a lawyer. The reason being, is that your disability policy is a contract. It is a contract that either you bought many years ago with hopes that you would never need it, or, it is a contract that you got from your employer as an employee benefit which you are now seeking benefits under. And this contract which is also known as a disability policy or disability plan is a very complex document. And unless you work with these types of documents every single day it would be very difficult for you to understand the terms and conditions in order for you to be eligible for benefits.